LNWM Integrated Wealth Management: A Lifetime Advantage

When your goals change or new opportunities arise, we’re here to help you make decisions that take into account the full impact on your life and on your finances.

We’ve seen first-hand that the most effective financial decisions are made in context. By that, we mean full consideration of things like the potential risk/return, taxes, cash flow and even family harmony. If you make decisions that optimize all these factors for your specific situation — which is what we help you do — the benefits tend to compound over the years and through multiple generations. At Laird Norton, we simplify decision making by clearly illustrating the impact your decision can have on all of these areas.

We understand that the only return that matters is the amount you’ve earned after taxes and after fees are subtracted. We carefully consider the tax consequences of any trade and strategically place income generating assets in non-taxable accounts. Because investment costs can gobble up a sizable chunk of total return over time, we negotiate manager-fee discounts and preferred share-class access on your behalf. We do not take kick-backs and we pass along all discounts to you, our client. We carefully consider which asset classes warrant active management, when you’re better off in lower-cost index funds, and when we can build dedicated funds that lower active management costs.

MAKING THE MOST OF YOUR CASH FLOW

How much income can your portfolio comfortably generate? What will be the impact of a large withdrawal to your lifestyle down the road? From which accounts should you draw down assets, and how often? The timing and source of your withdrawals can make a big difference in your portfolio’s overall return. LNWM’s ongoing cash flow sustainability analysis helps keep more of your money invested when your needs aren’t as great. And we help you plan for big expenses down the road, so you’re less likely to sell when the markets are down.

TRUST & ESTATE PLANNING FOCUSED ON YOUR LIFE GOALS

Our trust and estate planning helps to safeguard your wealth for generations to come. As one of the oldest trust companies in Washington State, we can advise you on the most effective ways to transfer assets to the next generation, reduce your estate taxes and support the causes you care about most.

TAX PLANNING INTEGRATED IN ALL WE DO

From minimizing taxes on investments to trust planning. And each quarter and at year-end, we provide streamlined tax reporting for all your accounts to you and your accountant. We propose to your attorney the trusts and other estate planning vehicles we think would work best for your situation. And we closely monitor tax and estate-planning laws and regulations so we can advise you on any changes.